How much will it cost to add my 19-year-old daughter to my car insurance policy?

My teenage daughter just got her driver's license. We have an agreement that until she can pay for half of a new car, she's going to use mine. Of course I'm fine with this, and I'm proud of her, but I've also heard rumors that adding teenagers to car insurance policies can be outrageously expensive. So how much will it cost to add my daughter to my car insurance?

“Big congrats to your daughter—that’s a huge milestone! The downside is that unfortunately, you heard right: according to industry averages, adding your 19-year-old daughter to your car insurance policy would cost nearly $4,000 a year.
The reason for the hefty price tag is that car insurance companies deem teenage drivers a high-risk category. However, there are a couple of ways to save money: if you have a good driving record, try asking your provider about safe driver discounts or good student discounts if your daughter is doing well in school.
If you’re not eligible for any discounts, you may want to consider a bicycle or dropping your daughter off where she needs to be if the price tag is too high.
However, sometimes it is actually cheaper to get a new policy that includes both you and your daughter, rather than adding her to an existent one. A great hassle-free way to check this out is with Jerry—we’ll get you over 50 customized quotes from top-of-the-line providers, so you can make sure you’re getting the best price on the coverage you need. If you do want to switch plans or providers, we’ll help with that, too! That way you can celebrate your daughter’s new license stress-free.
Congratulations to your daughter again, and may all your rates be low!”
Eric Schad
Answered on Sep 13, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.

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